Bicycle insurance

Zurich Bike Insurance

Ideal all-round protection for your bike

The Zurich Bike Insurance provides optimal coverage for your favorite bike.

Calculate your premium

Regular home contents insurance often doesn’t cover expensive bicycles. It certainly doesn’t if you have more than one valuable bike in the house. With Zurich Bike Insurance, your prized racing bike, mountain bike or e-bike has the best protection.

Comprehensive protection with the carefree package

Whether on a bike tour around Lake Constance or mountain biking through the hills, the Bike insurance protects you - Europe-wide.

On-the-spot breakdown assistance

Services performed exclusively on public roads or parking lots in Switzerland and the Principality of Liechtenstein.

Easy to arrange

Conclude a policy online right now to protect your bike under the carefree Zurich Bike Insurance package, premiums starting at CHF 79/year.

Service at a glance

  • Extensive comprehensive insurance for all bikes (bicycles or alternatively electric bicycles or electric motorcycles with pedal support up to max. 45 kph) 
  • Compensation for up to 100% of the purchase price in the event of theft and robbery
  • Payment of repair costs or compensation of up to 100% of the purchase price in case of a total write-off for damage and/or destruction as a consequence of an accident
  • Additional transport costs paid if you break down, up to CHF 500 
  • Optional: 24-hour breakdown assistance from breakdown specialists
  • Starting at CHF 79/year

In detail

Who can take out a policy?

Private individuals and companies domiciled in Switzerland or the Principality of Liechtenstein.

What bikes can be covered?

Insurance coverage is available for bicycles or electric or electric motor-assisted bicycles with pedal assistance up to 45 km/h (hereinafter referred to as “bikes”)

Summary of premiums (in CHF incl. 5% stamp duty)


   CHF  CHF  CHF  CHF
 Insured sum  2’000  4’000  8’000  12’000
 Annual premium  79  99  149  199

Breakdown service on-site (optional) CHF 15

Theft and robbery

Up to 100% of the new price for an equivalent bike covered, in accordance with the General Conditions of Insurance (GCI).

Accident-related total loss or damage

  • In the event of partial damage, repair costs covered (damaged carbon frames repair if possible)
  • In the event of total loss, up to 100% of the new price for an equivalent bike, in accordance with the General Conditions of Insurance (GCI).

Additional transport costs in case of breakdown (included in standard package)

  • Additional transport costs covered for bike and rider, to the place of residence or business or to the bike tour starting point
  • Additional transport costs incurred by accompanying travelers due to the breakdown
  • Maximum benefit per occurrence CHF 500

On-the-spot breakdown assistance (optional)

On-the-spot breakdown assistance by a breakdown specialist if the bike is no longer roadworthy due to a breakdown or an accident
Services performed exclusively on public roads or parking lots in Switzerland and the Principality of Liechtenstein

Where does it apply?

  • Anywhere in Europe, whether you’re on a bike tour round Lake Constance or mountain biking through the hills:
  • Active breakdown assistance (optional): Exclusively on public roads or parking lots throughout Switzerland and the Principality of Liechtenstein

When does the policy begin and end?

  • On the date you selected (no earlier than one day after online conclusion)
  • The insurance term is lasts for one (1) year (no automatic renewal)
  • Four weeks prior to expiry of the insurance policy you will receive an e-mail reminder to renew the insurance coverage

What cases are not covered?

  • Breakdowns due to dead batteries
  • Willful damage by third parties
  • Any form of racing
  • Cycling sports such as track racing, cycle ball, artistic cycling, BMX, slopestyle, dirt jumping and similar activities
  • Training rides as a professional athlete
GCI Bike Insurance [PDF, 270 KB]
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Our advisory service

Conclude a policy online right now to protect your bike under the carefree Zurich Bike Insurance package, premiums starting at CHF 79/year.

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